The problem with Oracle for Windows95
is that the only SQL*Net that I know of for Win95 is
shipped with thier Personal Oracle for Win95.
The ODBC driver that comes with VFP is Visigenic's ODBC
driver for Oracle. It's a fast driver but I've ran into
problems with it and have been using Intersolve's ODBC
driver. It's slower, but if there are errors I get all the
information back.
The VFP ODBC drivers you will probably have to go back to
install and make sure the Oracle ODBC got installed.
I found that on my first install this driver did not
get installed, although the setup seemed to think it was.

Good luck,
John